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Credit and debt writer

Owen Castellano

Owen worked in consumer debt collections for five years before switching sides to explain what actually shows up on a credit report and what a collector can and cannot do. He writes about credit and debt from the side that used to call.

Credit and debt writer

Focus areasCredit reportsDebt payoff strategyCollectionsCredit scores

A credit score gauge shown on a phone screen beside a notebook Credit & Debt

How a Credit Score Is Actually Calculated

A credit score feels like a verdict handed down by a system nobody will explain, which is why so much effort goes into the...

Owen CastellanoOct 16, 20266 min read